Is financing feasible this way? Are the fixed costs okay or too high?

Have you also ever compared that with a very simple annuity loan?

You mean without KFW? Since we are building Kfw40, it makes sense, without equity the interest rates are usually very high. We had some calculations done through VR Bank, but they also calculated with both KFW loans and a building savings contract. We know the advantages and disadvantages of building savings contracts. However, all 4 offers (VR Bank, Interhyp, and two independent advisors) had the same structure without us saying how we wanted it. Therefore, I think it seems to fit the same way without equity.

A KfW makes sense. I meant without a building savings contract. Honestly, I didn’t really understand the construct. But I’m afraid that’s due to my knowledge. It was only meant as a food for thought.

It appears that a variety of products are used in the overall rate. Among other things, the assumption by DNL that there is a TA loan combined with a home savings contract. If this is the case, the question is whether you have had the alternative for this component (which is a classic annuity loan with a very long term) calculated for yourselves?

What actually is that?

Eigentümerdarlehen nach 15 Jahren fertig

Deposit insurance 10 (Y) Health insurance 702 (M) ... Microsoft subscription 9 (Y) Dog food 100 (M) 3618€

Regarding the cost breakdown: it matters less when something is debited than the costs themselves. Somehow it also looks a bit distorted – but it doesn’t have to be...

I don’t see a problem now since you are teachers. However, the financing/leasing costs for 2 cars can bother you, either at the bank or later, when it’s about "new".

What do you mean by distorted.